Gross to Net Salary Calculator (Social Insurance + Personal Income Tax)
Convert between Gross and Net salary based on Vietnam's mandatory social/health/unemployment insurance (BHXH/BHYT/BHTN) and progressive personal income tax.
Convert gross salary to net salary and back, factoring in mandatory insurance contributions (social insurance, health insurance, unemployment insurance — BHXH, BHYT, BHTN) and personal income tax (PIT/TNCN). It shows you exactly how much you'll take home, or works backward to find the gross figure you should propose in salary negotiations to reach your desired net pay.
How to use Gross to Net Salary
- Enter your gross (total) or net (take-home) salary and choose the conversion direction.
- Enter the number of dependents to apply the family deduction (if applicable).
- See the breakdown of insurance deductions, personal income tax, and the remaining amount.
What are gross and net salary?
Gross salary is your total income before deductions — the figure written in your labor contract. Net salary is the amount that actually lands in your account after deducting the mandatory insurance contributions paid by the employee and personal income tax. The difference between the two figures is exactly these deductions.
What gets deducted from gross salary
Employees pay mandatory insurance contributions — social insurance (BHXH), health insurance (BHYT), and unemployment insurance (BHTN) — as a percentage of their insurance-based salary. The remaining income, after subtracting the personal deduction and dependent deductions, is then subject to personal income tax under the progressive tax brackets. The tool works through these steps in order to arrive at your net salary.
Why calculate gross to net when negotiating salary?
Employers may offer salaries in gross or net terms, and they differ. Knowing how to convert between them lets you compare offers fairly and know exactly how much you'll take home. If you want a specific net amount, use the net-to-gross direction to find out what gross salary to propose.
Frequently asked questions
How do gross and net salary differ?
Gross is the total salary before deductions; net is the take-home amount after deducting mandatory insurance contributions and personal income tax.
How do dependents affect net salary?
Each dependent gets a fixed deduction from taxable income, which lowers personal income tax and increases your take-home pay.
Should you negotiate in gross or net terms?
It's best to agree on gross, since that's the fixed figure on the contract; net salary can change if the deduction level or number of dependents changes. What matters most is that both sides clearly understand which figure they're discussing.
Is the result 100% accurate?
The tool calculates using common rates and deductions to give you a quick estimate; the official figure on your payslip also depends on your insurance-based salary and the regulations in effect at the time.